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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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Lowell to Advantis Default 6 year mark


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Hi all

 

Have a default from my bad years due to drop off on the 29th yesterday, still isnt showing as gone off credit file but i assume Experian take around 2-3 days after and Equifax 1 month?

 

Got a letter from Advantis saying their client Lowell passed the debt onto them and they will commence proceedings, send bailiffs etc etc in 7 days time

 

I have the statute barred letter ready as definatly not acknowledged or paid aything in 6/7 years

 

 

Of course I wont sign this letter and I'll send it recorded post and keep copy and tracking, but can they still push for CCJ ?

 

I guess im just concerned what if they still carry on pursuing me for this is there a follow up letter after statute barred letter or once i send them that I should just leave it and if there is a CCJ or further default put on then I can win easily?

 

Thankyou for any help , been reading forum for ages and i know there are a lot of good people on here and really helps reading the forums and learning never to get into this situation again.

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it doesn't say they will

 

read it properly

 

the default date on your cra file has little ref to the SB date

 

that will typically be BEFORE the default date by at least 1 month

 

look on noddle under the payments history or the bal history

 

that should give you the actual SB date

 

dx

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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it doesn't say they will

 

read it properly

 

the default date on your cra file has little ref to the SB date

 

that will typically be BEFORE the default date by at least 1 month

 

look on noddle under the payments history or the bal history

 

that should give you the actual SB date

 

dx

 

dx

 

 

Im not sure what you mean about read it properly - their letter clearly says 7 days or may take further action against you. including recommending client further actions to apply for CCJ to recover outstanding debt ... (and it goes on about other means too )

 

Also Never thought of using that site is it safe?

 

There is me paying all this money for Experian and Equifax monthly to keep on top of things - going to check Noddle out as the CRA reports don't have last payment etc

 

I'm sure its well over 6 years

 

Thnakyou for the amazingly fast reply!

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what i said , it says 'may' , 'recommending' ...... does not say WILL.,

 

noddle is call credit, so is safe

used it for years.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yeah thanks for that signed up and good in a way but the default's not on there :)

 

They must be quicker than the others at removing it

 

What do i do now for the SB date? Its got to be over 6 years now or it wouldn't have dropped off right?

 

Also a bit of a shock there's a CCJ for £300 on there in my brothers address Ive never lived at ! We have same initials and i bet they just put it on at his address even though Ive never lived there :(

 

Do i have good chance at having this set aside - i mean CCJ over £300 due to come off in couple years!

 

I would have begged and borrowed if i had known.

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you need to either phone the court

or look at www.trustonline.org.uk

 

if the ccj is not in your name

 

it needs to be removed from your cra file!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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The default date can be often 5-6 months after the cause of action, ie, the date when a payment was due and not made and after which no further payment was ever made, so this debt could already be SB> the statement in the letter ''start proccedings, send bailiffs within 7 days'' is in fact meaningless the time scale is as follows:

 

Creditor/DCA issues a claim through the court system, you have a period of time to acknowledge the claim and enter a defence, should the claim continue after all the necessary stages have been met a hearing will be scheduled, if you loose the case and the judge makes an order which you then fail on at this point the creditor could see a warrent of execution if granted pass it to bailiffs to act on.

A LOT LONGER THAN 7 DAYS!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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The default date can be often 5-6 months after the cause of action, ie, the date when a payment was due and not made and after which no further payment was ever made, so this debt could already be SB> the statement in the letter ''start proccedings, send bailiffs within 7 days'' is in fact meaningless the time scale is as follows:

 

Creditor/DCA issues a claim through the court system, you have a period of time to acknowledge the claim and enter a defence, should the claim continue after all the necessary stages have been met a hearing will be scheduled, if you loose the case and the judge makes an order which you then fail on at this point the creditor could see a warrent of execution if granted pass it to bailiffs to act on.

A LOT LONGER THAN 7 DAYS!!

 

Thankyou both for your replies

 

I see , having looked at it again I can see how they keep referring to Lowell , as in "we could instruct Lowell" to do x and y so they are literally chasing up for Lowell even though Lowell are themselves a DCA !

 

The default has fallen off my CRA files for both Noodle and Experian - should I send them a statute barred letter now and put some sort of line in there about no more contact and to delete all my data they hold?

 

Also once sent can/will they push for CCJ or do they know full well they cant as its SB?

 

Finally is there anyway to donate to this site as ive been reading it for years and would like to give back one day

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you need to either phone the court

or look at www.trustonline.org.uk

 

if the ccj is not in your name

 

it needs to be removed from your cra file!

 

dx

 

 

Just to confirm the Aktiv Kapital CCJ is in my name but says my brothers address on CRA files , CCJ date is 2008 and I have never lived at my brothers or applied for credit there etc In fact ive just asked him and he only moved in there in 2007 !

 

If I apply to have it setaside in order to pay the debt - would this have high chance of being accepted?

If its not accepted does it reset the 6 years on the CJ so it comes off in another 6 years time or is it only for 2 years more?

Edited by reverof
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if the claim forms etc were sent to the wrong addreess

 

then its a no brainer. set aside

that will put the debt back to the date before claim.

 

as for donating

it s at the bottom of every page on the right

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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if the claim forms etc were sent to the wrong addreess

 

then its a no brainer. set aside

that will put the debt back to the date before claim.

 

as for donating

it s at the bottom of every page on the right

dx

 

Great thanks - ill get that N form requested/filled in and send it off

 

Would something like this be suffice to put in it:

 

CCJ was applied at brothers address that I have never lived at or applied for credit at , in fact he himself only moved in around 1 year before the alleged CCJ was granted.

 

I would have paid this off had I known and had received any notice to defend myself in court against this CCJ

 

By the way reason i didn't know about this CJ is it doesn't show on one of the CRA report I use , only found it by looking at another

 

Finally if i was to fail in getting it setaside or if i satisfy it, does it reset the 6 years or will it still fall off at same date in couple years time ?

 

Will check out donating now for this excellent site.

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Thankyou both for your replies

 

I see , having looked at it again I can see how they keep referring to Lowell , as in "we could instruct Lowell" to do x and y so they are literally chasing up for Lowell even though Lowell are themselves a DCA !

 

The default has fallen off my CRA files for both Noodle and Experian - should I send them a statute barred letter now and put some sort of line in there about no more contact and to delete all my data they hold?

 

Also once sent can/will they push for CCJ or do they know full well they cant as its SB?Hi

 

I will PM you a letter formatted for your particular case just a little later.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thankyou both for your replies

 

I see , having looked at it again I can see how they keep referring to Lowell , as in "we could instruct Lowell" to do x and y so they are literally chasing up for Lowell even though Lowell are themselves a DCA !

 

The default has fallen off my CRA files for both Noodle and Experian - should I send them a statute barred letter now and put some sort of line in there about no more contact and to delete all my data they hold?

 

Also once sent can/will they push for CCJ or do they know full well they cant as its SB?Hi

 

I will PM you a letter formatted for your particular case just a little later.

 

Thankyou so so much ill pm you what i have so far

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Thankyou so so much ill pm you what i have so far

Ok I'll start on it as soon as I get the info.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 4 weeks later...

Been meaning to update post etc when i heard back from Advantis Credit (on behalf of Lowell) however haven't head anything , no letter etc but had a alert on credit reports and logged in to see search on my credit file ( removed exact date for privacy ) :

Searched on: (NOV)/2012

 

 

 

Searched by: LOWELL PORTFOLIO 1 LTD

 

 

 

Application type:UNRECORDED ENQUIRY

 

 

 

 

I have no idea why they are searching my file - please could anyone advise on what you think is happening and also are they allowed to do this?

 

I will of course keep this updated as things happen so others in same situation get a idea of process etc.

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H1i rev, UR searches have no impact usually ID searches, but it's hard to tell with Lowell at the moment.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 4 weeks later...

I've had similiar issues with Lowell (and the various associated bottom feeding companies), it has now gone to Advantis.Advantis btw, are rather sneaky, they are using a number that makes it look like a mobile calling. I had a call from them today (07814 041968) telling me I owed £500+ (it originally was £79)This relates to a phone I had from "3" and sent back. Hutchinson 3G did not pick it up from the sorting office, and after some time of me trying to trace it, I tracked it down and resent it.They have been chasing for a considerable amount of time, after the first 4 years of sending evidence proving I had sent it back AND the sim had never been activated, it just kept getting passed along the chain until it reached the worse types.Advantis advised me they were recording the call. I advised them I also was :) I told them I did not owe it, they came back with "we'll put you are refusing to pay" I reinterated there was nothing to pay, so I could hardly be refusing. They asked for evidence, I recounted I had sent evidence for the last 4 years, it was not upto them to gain the evidence from the company that passed the details, and to correspond with me in writing in future.I've had the same letters sent for at least the last 6 months from them, all saying the same. I challenged to take me to court if they felt they could prove that I owed this money and if they were very sure they were not breaching their DCA requirements. They of course came back with "well we are considering it" to which I replied that I felt that was excellent and looked forward to the Judge making a decision once and for all, and hoped they enjoyed a day out at court with no postive outcome for them.They know they don't have a leg to stand on, they rely on the fact that they think people don't understand they have rights. For me, CAG has been an absolute diamond mine of information to help me with these DCA's.TracyS

Edited by TracyS72
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